Recent Insider Transactions • May 12
Independent Director recently sold US$100k worth of stock On the 8th of May, Joseph Galli sold around 5k shares on-market at roughly US$20.00 per share. This transaction amounted to 3.9% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$121k. Insiders have been net sellers, collectively disposing of US$860k more than they bought in the last 12 months. New Risk • May 06
New minor risk - Insider selling There has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: US$150k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. This is currently the only risk that has been identified for the company. Recent Insider Transactions • May 05
Independent Director recently sold US$121k worth of stock On the 28th of April, Joseph Galli sold around 6k shares on-market at roughly US$20.13 per share. This transaction amounted to 4.3% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$831k more than they bought in the last 12 months. Reported Earnings • Apr 26
First quarter 2026 earnings released: EPS: US$0 (vs US$0.21 in 1Q 2025) First quarter 2026 results: EPS: US$0 (down from US$0.21 in 1Q 2025). Revenue: US$9.65m (up 8.7% from 1Q 2025). Net income: US$1.09m (down 48% from 1Q 2025). Profit margin: 11% (down from 24% in 1Q 2025). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings. 공시 • Apr 03
BV Financial, Inc., Annual General Meeting, May 07, 2026 BV Financial, Inc., Annual General Meeting, May 07, 2026. Location: 532 eastern boulevard, essex, maryland, United States Recent Insider Transactions Derivative • Feb 26
Independent Director notifies of intention to sell stock Joseph Galli intends to sell 49k shares in the next 90 days after lodging an Intent To Sell Form on the 25th of February. If the sale is conducted around the recent share price of US$19.08, it would amount to US$932k. Since March 2025, Joseph's direct individual holding has decreased from 186.33k shares to 143.55k. Company insiders have collectively sold US$719k more than they bought, via options and on-market transactions in the last 12 months. Reported Earnings • Jan 25
Full year 2025 earnings released: EPS: US$1.44 (vs US$1.10 in FY 2024) Full year 2025 results: EPS: US$1.44 (up from US$1.10 in FY 2024). Revenue: US$42.1m (up 11% from FY 2024). Net income: US$13.5m (up 15% from FY 2024). Profit margin: 32% (up from 31% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 4.35% (up from 4.27% in FY 2024). Cost-to-income ratio: 58.5% (up from 57.0% in FY 2024). Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has fallen by 14% per year, which means it is significantly lagging earnings. Recent Insider Transactions Derivative • Dec 18
Co-President exercised options and sold US$89k worth of stock On the 12th of December, David Flair exercised 21.43k options at around US$5.65, then sold 7k of the shares acquired at an average of US$19.11 per share and kept the remainder. For the year to December 2022, David's total compensation was 13% salary and 87% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since March 2025, David has owned 199.05k shares directly. Company insiders have collectively sold US$719k more than they bought, via options and on-market transactions in the last 12 months. Buy Or Sell Opportunity • Nov 05
Now 20% overvalued after recent price rise Over the last 90 days, the stock has risen 10% to US$16.84. The fair value is estimated to be US$13.99, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 5.5% over the last 3 years, while earnings per share has been flat. Reported Earnings • Oct 20
Third quarter 2025 earnings released: EPS: US$0.41 (vs US$0.35 in 3Q 2024) Third quarter 2025 results: EPS: US$0.41. Revenue: US$11.0m (up 3.1% from 3Q 2024). Net income: US$3.73m (down 1.8% from 3Q 2024). Profit margin: 34% (down from 36% in 3Q 2024). The decrease in margin was driven by higher expenses. Buy Or Sell Opportunity • Sep 18
Now 21% overvalued after recent price rise Over the last 90 days, the stock has risen 17% to US$16.72. The fair value is estimated to be US$13.81, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 7.2% over the last 3 years. Earnings per share has grown by 2.8%. Buy Or Sell Opportunity • Aug 22
Now 22% overvalued after recent price rise Over the last 90 days, the stock has risen 8.0% to US$16.90. The fair value is estimated to be US$13.81, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 7.2% over the last 3 years. Earnings per share has grown by 2.8%. Recent Insider Transactions • Jul 27
Independent Director recently sold US$461k worth of stock On the 23rd of July, Joseph Galli sold around 29k shares on-market at roughly US$16.13 per share. This transaction amounted to 17% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$710k more than they bought in the last 12 months. Reported Earnings • Jul 21
Second quarter 2025 earnings released: EPS: US$0.29 (vs US$0.32 in 2Q 2024) Second quarter 2025 results: EPS: US$0.29 (down from US$0.32 in 2Q 2024). Revenue: US$9.69m (flat on 2Q 2024). Net income: US$2.86m (down 16% from 2Q 2024). Profit margin: 30% (down from 35% in 2Q 2024). Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings. Recent Insider Transactions Derivative • Jun 05
Independent Director notifies of intention to sell stock Joseph Galli intends to sell 20k shares in the next 90 days after lodging an Intent To Sell Form on the 4th of June. If the sale is conducted around the recent share price of US$15.32, it would amount to US$310k. Since September 2024, Joseph's direct individual holding has decreased from 186.33k shares to 172.60k. Company insiders have collectively sold US$249k more than they bought, via options and on-market transactions in the last 12 months. Recent Insider Transactions • May 25
Independent Director recently sold US$58k worth of stock On the 22nd of May, Joseph Galli sold around 4k shares on-market at roughly US$15.80 per share. This transaction amounted to 2.1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$71k. Insiders have been net sellers, collectively disposing of US$215k more than they bought in the last 12 months. Recent Insider Transactions • May 15
Independent Director recently sold US$71k worth of stock On the 12th of May, Joseph Galli sold around 4k shares on-market at roughly US$15.92 per share. This transaction amounted to 2.4% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$100k more than they bought in the last 12 months. Recent Insider Transactions Derivative • May 04
Independent Director notifies of intention to sell stock Joseph Galli intends to sell 15k shares in the next 90 days after lodging an Intent To Sell Form on the 2nd of May. If the sale is conducted around the recent share price of US$15.37, it would amount to US$226k. Since June 2024, Joseph's direct individual holding has increased from 171.63k shares to 186.33k. There have been no trades via on-market transactions or options from company insiders in the last 12 months. 공시 • Apr 25
BV Financial, Inc., Annual General Meeting, May 08, 2025 BV Financial, Inc., Annual General Meeting, May 08, 2025. Location: 532 eastern boulevard, essex, maryland, United States Reported Earnings • Apr 21
First quarter 2025 earnings released: EPS: US$0.21 (vs US$0.24 in 1Q 2024) First quarter 2025 results: EPS: US$0.21 (down from US$0.24 in 1Q 2024). Revenue: US$8.88m (up 4.1% from 1Q 2024). Net income: US$2.10m (down 19% from 1Q 2024). Profit margin: 24% (down from 30% in 1Q 2024). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 17% per year, which means it is significantly lagging earnings. Board Change • Feb 02
Insufficient new directors There is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 4 highly experienced directors. Independent Director P. Bramble was the last director to join the board, commencing their role in 2023. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. Reported Earnings • Jan 28
Full year 2024 earnings released: EPS: US$1.10 (vs US$1.47 in FY 2023) Full year 2024 results: EPS: US$1.10 (down from US$1.47 in FY 2023). Revenue: US$37.9m (flat on FY 2023). Net income: US$11.7m (down 14% from FY 2023). Profit margin: 31% (down from 36% in FY 2023). Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings. Reported Earnings • Oct 23
Third quarter 2024 earnings released: EPS: US$0.35 (vs US$0.35 in 3Q 2023) Third quarter 2024 results: EPS: US$0.35 (up from US$0.35 in 3Q 2023). Revenue: US$10.7m (up 6.2% from 3Q 2023). Net income: US$3.80m (up 3.1% from 3Q 2023). Profit margin: 36% (down from 37% in 3Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 21% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings. Reported Earnings • Jul 22
Second quarter 2024 earnings released: EPS: US$0.32 (vs US$0.34 in 2Q 2023) Second quarter 2024 results: EPS: US$0.32 (down from US$0.34 in 2Q 2023). Revenue: US$9.62m (down 1.4% from 2Q 2023). Net income: US$3.40m (down 13% from 2Q 2023). Profit margin: 35% (down from 40% in 2Q 2023). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 22% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings. Reported Earnings • Apr 23
First quarter 2024 earnings released: EPS: US$0.24 (vs US$0.28 in 1Q 2023) First quarter 2024 results: EPS: US$0.24 (down from US$0.28 in 1Q 2023). Revenue: US$8.52m (down 5.4% from 1Q 2023). Net income: US$2.57m (down 17% from 1Q 2023). Profit margin: 30% (down from 35% in 1Q 2023). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 22% per year but the company’s share price has fallen by 17% per year, which means it is significantly lagging earnings. Reported Earnings • Mar 25
Full year 2023 earnings released: EPS: US$1.47 (vs US$0.86 in FY 2022) Full year 2023 results: EPS: US$1.47 (up from US$0.86 in FY 2022). Revenue: US$38.0m (up 14% from FY 2022). Net income: US$13.7m (up 30% from FY 2022). Profit margin: 36% (up from 32% in FY 2022). The increase in margin was driven by higher revenue. Net interest margin (NIM): 4.23% (up from 3.91% in FY 2022). Cost-to-income ratio: 51.0% (down from 57.9% in FY 2022). Non-performing loans: 1.50% (up from 0.89% in FY 2022). Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has fallen by 16% per year, which means it is significantly lagging earnings. Buy Or Sell Opportunity • Feb 02
Now 22% undervalued Over the last 90 days, the stock has risen 32% to US$13.59. The fair value is estimated to be US$17.38, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 23% over the last 3 years. Earnings per share has grown by 23%. Reported Earnings • Jan 24
Full year 2023 earnings released: EPS: US$1.47 (vs US$0.93 in FY 2022) Full year 2023 results: EPS: US$1.47 (up from US$0.93 in FY 2022). Revenue: US$38.0m (up 14% from FY 2022). Net income: US$13.7m (up 30% from FY 2022). Profit margin: 36% (up from 32% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings. Reported Earnings • Oct 25
Third quarter 2023 earnings released: EPS: US$0.35 (vs US$0.23 in 3Q 2022) Third quarter 2023 results: EPS: US$0.35 (up from US$0.23 in 3Q 2022). Revenue: US$10.1m (up 22% from 3Q 2022). Net income: US$3.68m (up 41% from 3Q 2022). Profit margin: 37% (up from 32% in 3Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has fallen by 14% per year, which means it is significantly lagging earnings. Reported Earnings • Aug 02
Second quarter 2023 earnings released: EPS: US$0.52 (vs US$0.37 in 2Q 2022) Second quarter 2023 results: EPS: US$0.52 (up from US$0.37 in 2Q 2022). Revenue: US$9.76m (up 26% from 2Q 2022). Net income: US$3.90m (up 41% from 2Q 2022). Profit margin: 40% (up from 36% in 2Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 16% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings. 공시 • Aug 02
BV Financial, Inc. has completed an IPO in the amount of $97.9898 million. BV Financial, Inc. has completed an IPO in the amount of $97.9898 million.
Security Name: Common Stock
Security Type: Common Stock
Securities Offered: 9,798,980
Price\Range: $10
Transaction Features: Bank Conversion; ESOP Related Offering